Marshville, NC
Marshville wildfire risk explained
USFS scores Marshville at the 35th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,362 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Marshville at the 37th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
1,362 buildings are counted in Marshville, and 51.8% of them are Indirect exposure — ember-driven risk rather than the 48.2% in Direct exposure or the 0% rated Minimal.
Where Marshville ranks
Marshville's 35th national percentile looks worse in isolation than its 7th ranking inside North Carolina does — this place is on the milder end for its own state, by 28 points. Among the 31,521 US communities USFS scores, Marshville ranks 20,581 for wildfire risk (1 is highest) and 9,774 by building count (1 is largest). Within North Carolina alone, it ranks 720 of 772 places by risk. See the full county-by-county picture for North Carolina on its state page.
What this risk score means for insurance
Marshville's moderate wildfire rating (35th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Marshville
Because 51.8% of Marshville's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Marshville's figures come from
Every one of the two percentiles behind Marshville's 20,581-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Marshville's dominant indirect exposure actually means, with real examples from across the dataset.